109 SE RIO SIENA, PORT SAINT LUCIE, FL, 34984
Active748 days on marketListed Jul 26, 2024MLS #L4946462
About this home
109 SE RIO SIENA
Beautiful Waterfront Lot in the 24-Hour Manned, Gated Golf Course Community of Tesoro Club is Now on the Market. The 1400-Acre Tesoro Club offers distinctive luxury-style single family homes surrounded by amazing natural beauty, lakes and two 72 Par Championship Golf Courses (Palmer and Watson). Approved builders include Toll Brothers and WCI/Lennar. Optional Golf and Social memberships are available to residents including the popular Swim and Racquet Club, bocce courts, pickle ball, Club house, pool, tennis, restaurant/cafe and more. Easy access to I-95 and the Florida Turnpike. Hutchinson Island, Jensen Beach and Jupiter Island are close by. Seller requires their custom contract, terms and conditions. Please call for details.
Facts & features
The home at a glance
0.24 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,166 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,166/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Tesoro
Get to know Port Saint Lucie. See the full Port Saint Lucie guide →
Tesoro — neighborhood snapshot
Population
358
Median age
60
Median income
$135,179
Median home value
$628,600
Avg household
2
Households w/ children
20%
For the school run
St. Lucie County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Saint Lucie market
$390K → $300K
Port Saint Lucie median sold, yr/yr
Median sold price, Port Saint Lucie, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 61% below the PORT SAINT LUCIE 34984 median. See the full Port Saint Lucie market guide →
Paper trail
This home's history
Reality check
What actually sold near 109 SE RIO SIENA
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$369,000
337 SW CHERRYHILL ROAD
3 bd · 2 ba · 1,176 sqft · $314/sqft · 156 DOM
Sold · May ’26$335,000
4393 SW Calah Circle, Port St. Lucie FL 34953
3 bd · 2 ba · 1,234 sqft · $271/sqft · 87 DOM
Sold · Jul ’26$345,000
3520 SE Hyde Circle, Port St. Lucie FL 34983
3 bd · 2 ba · 1,396 sqft · $247/sqft · 6 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 109 SE RIO SIENA — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 SE RIO SIENA — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
109 SE RIO SIENA FAQs
What would the monthly payment be for 109 SE RIO SIENA?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,166/mo — principal and interest, the actual property-tax bill, the $766/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 109 SE RIO SIENA?+
The association fee works out to $766 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 109 SE RIO SIENA?+
The most recent tax bill on record (2023) was $1,543. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 109 SE RIO SIENA?+
The listing reports pets: Breed Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Port Saint Lucie?+
At $175,550, this home is listed about 22% below the Port Saint Lucie median of $225,000. The market section on this page shows how the area is trending.
Which schools are assigned to 109 SE RIO SIENA?+
Treasure Coast High School (high), Southport Middle School (middle), Morningside Elementary School (elementary), Mariposa Elementary School (elementary), Village Green Environmental Studies School (elementary), Northport K-8 School (elementary), Savanna Ridge Elementary School (elementary) — St. Lucie County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the PORT SAINT LUCIE 34984 market on paper
$175,550 is 61% below the PORT SAINT LUCIE 34984 median of $450,000.
02Know the monthly fee
The association fee is $766/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Strong assigned schools
Treasure Coast High School, Southport Middle School, Morningside Elementary School, Mariposa Elementary School, Village Green Environmental Studies School, Northport K-8 School, Savanna Ridge Elementary School — Morningside Elementary School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $199,000, now $175,550 — a $23K cut. The full history is in the market section below.
Listing courtesy of KELLER WILLIAMS REALTY · YiShin Wiggs. MLS #L4946462.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Port Saint Lucie homes, in your inbox
Like 109 SE RIO SIENA but not quite? A daily digest of every new listing in Port Saint Lucie — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →